Boat Insurance Claims

When Category 4 Hurricane Michael hit the Florida Panhandle in October 2018, the storm surge, damaging winds, and heavy rain left a wake of devastation. Boats lying upside down in the street. Yachts broken to pieces. If you suffered damage to your boat during Hurricane Michael, you may be entitled to compensation for your losses. The hurricane boat damage attorneys at Ged Lawyers, LLP are dedicated to helping Florida residents recover the compensation they deserve from boat and other damage due to the hurricane.

Florida boat insurance

In Florida, boat insurance is not required by law to own or operate a vessel. If the boat owner took out a loan using the boat as collateral, the lender usually requires that the boat owner purchase insurance to cover damages to the boat. Most marinas in Florida have boat insurance requirements as well.

What is boat insurance?

Boat insurance provides recreational boaters insurance coverage in the event of a loss or damage to the boat. Boat insurance covers most watercraft with motors, including yachts, pontoon boats, fishing boats, and leisure crafts. Most boat insurance does not cover kayaks, canoes, or personal watercrafts (PWCs).

What is covered under boat insurance?

Boat insurance policies vary from one to another and may include any or all of the following:

Comprehensive coverage

Property damage liability

Collision damage

Bodily injury liability

Policies may also include additional coverage options such as coverage for fishing equipment, medical payments, personal property, roadside assistance, oil spills, and damages and injuries that are caused by uninsured or underinsured boaters.

Are hurricanes covered under boat insurance?

Boat insurance may cover damage that is sustained in a hurricane. Coverage depends upon the insurance company and the structure of your particular insurance policy. Some insurance policies include storm damage for watercraft. Standard property damage coverage may help pay for repairs if a boat is damaged in a hurricane and coverage may extend to any damage that is the result of lightning, hail, windstorms, and floods. It is important to read your boat insurance policy carefully to determine your coverage and other details of your policy.

Recover the compensation you deserve after hurricane damage to your boat or other property

When disaster strikes – and it strikes hard with a Category 4 hurricane – we are here to help you pick up the pieces. At Ged Lawyers, LLP, our Florida disaster recovery lawyers are leaders in the field and understand how stressful it can be to experience a hurricane and suffer loss and property damage. Our experienced hurricane property damage attorneys battle the insurance companies to recover every penny that you rightfully deserve. Contact a member of our disaster recovery team at 844-443-3529 or online to arrange for a confidential consultation to discuss your situation.